Whether you drive a private hire vehicle or hackney carriage, compare specialist taxi insurance quotes by completing one short form.
Provide details about your vehicle, taxi licence, and driving history.
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If you hold a council-issued taxi badge and drive a licensed hackney carriage or private hire vehicle, your standard car insurance won't cover you. Taxi work is classed as hire and reward, which requires a specialist policy — without one, you're driving illegally.
This page is for licensed taxi and private hire drivers operating under a local authority licence in the UK. If you're a ride-sharing driver working through an app like Uber or Bolt, you'll need to check whether your platform provides insurance or arrange cover through a specialist ride-share provider instead. We have partnered with Quotezone.co.uk to help licensed taxi drivers compare quotes from specialist UK providers.
Taxi insurance provides cover for vehicles licensed by a local council to carry passengers for hire and reward. This includes private hire vehicles (pre-booked through a licensed operator) and hackney carriages (black cabs that can be hailed on the street or wait at ranks).
Without the correct insurance in place, driving a taxi is a criminal offence. Your vehicle can be seized, you'll pick up penalty points, and any claim would be invalid. Standard car insurance explicitly excludes hire and reward use.
Most taxi drivers in the UK insure on a fully comprehensive basis. While third party policies technically exist, they're uncommon — if your taxi is damaged in an accident that wasn't your fault, you'd have to chase the other party for repair costs yourself, which means lost earnings while your vehicle is off the road. Comprehensive cover handles this for you.
There are two main types of taxi licence in the UK, and your insurance must match the licence you hold:
Hackney carriage insurance typically costs more because of the higher mileage and additional risks associated with street hailing. Whichever type you hold, you must have a valid taxi badge issued by your local licensing authority before any insurer will provide cover.
It's worth noting that premiums can vary significantly depending on which council issued your licence. Drivers licensed by councils outside major metropolitan areas often find more competitive rates than those operating in large cities.
Taxi insurance premiums are driven by a few key factors. The drivers who get the most competitive quotes are typically aged 25 or over (ideally 30+), hold a full UK driving licence for at least five years, and have a clean record with no claims or convictions.
Your plating authority — the council that issued your taxi licence — is another significant factor. Insurers price differently depending on the licensing area, and drivers plated outside of London often see lower premiums than those operating in the capital.
The vehicle itself matters too: its age, value, insurance group, and engine size all feed into the quote. And just like with standard car insurance, building up a no-claims bonus on your taxi policy is one of the most effective ways to bring premiums down year on year.
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Taxi insurance isn't cheap, but there are practical steps you can take to keep costs under control:
If you operate more than one taxi, a fleet insurance policy might work out better value than insuring each vehicle separately. And don't overlook breakdown cover — being stuck at the roadside means lost fares.
Cover for pre-booked journeys through a licensed operator. Essential for licensed private hire drivers.
Insurance for licensed black cabs and vehicles that can be hailed on the street or wait at taxi ranks.
The standard for working taxi drivers. Covers accidental damage to your own vehicle, third party liability, fire, and theft — regardless of fault.
Covers claims from passengers or members of the public for injury or damage related to your taxi work.
Roadside recovery and repair to minimise downtime and keep you earning.
Cover for legal costs if you need to pursue an uninsured driver or defend a claim.
Insurers prefer drivers with a full UK licence held for 5+ years. Less experience typically means higher premiums.
Drivers aged 25+ (ideally 30+) generally receive more competitive quotes than younger drivers.
Hackney carriage cover tends to cost more than private hire due to higher mileage and street-hailing risks. Most drivers opt for fully comprehensive either way.
A clean claims record and established no-claims bonus help keep premiums competitive.
The make, model, age, and insurance group of your vehicle all influence the premium you'll be quoted.
Where you work affects risk. Urban areas with heavier traffic may attract higher premiums.
We have partnered with Quotezone.co.uk to help you compare quotes across a range of specialist insurance products.
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T T Branding Ltd (trading as MySupermarket Compare) is an Introducer Appointed Representative (IAR) of Seopa Ltd. Seopa Ltd are authorised and regulated by the Financial Conduct Authority (FCA FRN: 313860). Quotezone is a trading style of Seopa Ltd. Seopa Ltd is located at Floor 4, Blackstaff Studios, 8-10 Amelia Street, Belfast, Northern Ireland, BT2 7GS. The insurance quote system is independently owned and operated by Seopa Ltd. TT Branding Ltd do not offer financial advice and receives a commission for any policies purchased, at no cost to you.
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